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# END WP CORE SECURE{"id":4607,"date":"2022-08-29T09:56:56","date_gmt":"2022-08-29T07:56:56","guid":{"rendered":"https:\/\/likvidno.com\/?p=4607"},"modified":"2022-08-29T09:56:57","modified_gmt":"2022-08-29T07:56:57","slug":"rast-kredita-u-bih-u-drugom-kvartalu","status":"publish","type":"post","link":"https:\/\/likvidno.com\/2022\/08\/29\/rast-kredita-u-bih-u-drugom-kvartalu\/","title":{"rendered":"Rast kredita u BiH u drugom kvartalu"},"content":{"rendered":"\n<h5 class=\"wp-block-heading\">Potra\u017enja za kreditima u Bosni i Hercegovini bilje\u017ei rast u drugom kvartalu ove godine i u sektoru preduze\u0107a i u sektoru doma\u0107instava u Bosni i Hercegovini.<\/h5>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"663\" height=\"321\" src=\"https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/potraznja-preduzeca.png\" alt=\"\" class=\"wp-image-4610\" srcset=\"https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/potraznja-preduzeca.png 663w, https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/potraznja-preduzeca-300x145.png 300w\" sizes=\"(max-width: 663px) 100vw, 663px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Anketa o kreditnoj aktivnosti banaka koju je provela Centralna banka BiH pokazala je da su na pove\u0107anu potra\u017enju kredita uticale prvenstveno finansijske potrebe za kapitalnim investicijama kod njihovih klijenata obrtnim sredstvima i restrukturiranje duga.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Anketa koja je provedena me\u0111u sedam najve\u0107ih banaka, pokazala je i da je do\u0161lo do neznatnog poo\u0161travanja kreditnih standarda za kredite preduze\u0107ima.<\/p>\n\n\n\n<p><strong><em>\u201ePoo\u0161travanje kreditnih standarda odnosi se na odobravanje kratkoro\u010dnih kao i dugoro\u010dnih kredita preduze\u0107ima, na \u0161to su uticali percepcija rizika, spremnost na preuzimanje rizika i tro\u0161kovi izvora za kredite i ograni\u010denja bilansa stanja\u201c<\/em><\/strong>, navodi se u anketi.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>I stanovni\u0161tvo \u010de\u0161\u0107e tra\u017ei kredite<\/strong><\/h5>\n\n\n\n<p>Nastavljen je i umjeren rast potra\u017enje stanovni\u0161tva za kreditima, \u0161to je u skladu sa o\u010dekivanjima iz prethodnog kruga izvje\u0161tavanja i nastavak trenda iz prethodna \u010detiri kvartala.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"664\" height=\"310\" src=\"https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/Stanovnistvo-potraznja.png\" alt=\"\" class=\"wp-image-4612\" srcset=\"https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/Stanovnistvo-potraznja.png 664w, https:\/\/likvidno.com\/wp-content\/uploads\/2022\/08\/Stanovnistvo-potraznja-300x140.png 300w\" sizes=\"(max-width: 664px) 100vw, 664px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong><em>\u201eSvi faktori su imali pozitivan uticaj na potra\u017enju kredita, najvi\u0161e vezano za kupovinu nekretnina i trajnih potro\u0161a\u010dkih dobara, dok na strani alternativnih izvora \u0161tednja stanovni\u0161tva nije uticala na potra\u017enju stanovni\u0161tva za kreditima\u201c<\/em><\/strong>, navodi se u anketi <a href=\"https:\/\/www.cbbh.ba\/\">Centralne banke BiH<\/a>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Zabilje\u017eeno je i ubla\u017eavanje poslovne politike banaka u pogledu provizija i naknada (neto procenat 29%), dok je jedna banka iz uzorka izvjestila da je poo\u0161trila zahtjeve kolaterala.<\/p>\n\n\n\n<p><strong><em>&#8220;Kamatne mar\u017ee su pove\u0107ane kod nekih banaka, dok je kod drugih do\u0161lo do smanjenja, tako da u prosjeku nisu zabilje\u017eene promjene u visini kamatnih stopa&#8221;<\/em><\/strong>, pokazala je anketa.<\/p>\n\n\n\n<p>Za razliku od prethodnog kvartala, do\u0161lo je do poo\u0161travanja kreditnih standarda, tj. internih kriterija za odobravanje kredita, za stambene kao i za potro\u0161a\u010dke i nenamjenske kredite.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Pesimisti\u010dna o\u010dekivanja za tre\u0107i kvartal<\/h5>\n\n\n\n<p>Banke imaju blago pesimisti\u010dan pogled na potra\u017enju stanovni\u0161tva za kreditima u tre\u0107em kvartalu 2022. godine, pa se o\u010dekuje smanjenje potra\u017enje za potro\u0161a\u010dkim i nenamjenskim kreditima ovoj grupi klijenata, dok se za stambene kredite o\u010dekuje ista potra\u017enja.<\/p>\n\n\n\n<p>Tako\u0111e, o\u010dekuje se da \u0107e do\u0107i do umjerenog poo\u0161travanja standarda za stambene, ali i za potro\u0161a\u010dke i nenamjenske kredite.<\/p>\n\n\n\n<p>Kada je rije\u010d o o\u010dekivanjima za tre\u0107i kvartal u sektoru privrede, o\u010dekuje se umjereno poo\u0161travanje standarda za odobravanje kratkoro\u010dnih kao i dugoro\u010dnih kredita preduze\u0107ima.<\/p>\n\n\n\n<p>U isto vrijeme banke o\u010dekuju da \u0107e se u tre\u0107em kvartalu ove godine smanjiti potra\u017enja preduze\u0107a za kreditima.<\/p>\n\n\n\n<p>Redakcija<strong><em> Likvidno<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potra\u017enja za kreditima u Bosni i Hercegovini bilje\u017ei rast u drugom kvartalu ove godine i u sektoru preduze\u0107a i u sektoru doma\u0107instava u Bosni i Hercegovini. Anketa o kreditnoj aktivnosti banaka koju je provela Centralna banka BiH pokazala je da su na pove\u0107anu potra\u017enju kredita uticale prvenstveno finansijske potrebe za kapitalnim investicijama kod njihovih klijenata [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3441,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[6,49],"tags":[50],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/posts\/4607"}],"collection":[{"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/comments?post=4607"}],"version-history":[{"count":2,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/posts\/4607\/revisions"}],"predecessor-version":[{"id":4613,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/posts\/4607\/revisions\/4613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/media\/3441"}],"wp:attachment":[{"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/media?parent=4607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/categories?post=4607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likvidno.com\/wp-json\/wp\/v2\/tags?post=4607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}